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Informal Savings and Credit Institutions in the Urban Areas: The Case of Cooperative Credit Unions

Author

Listed:
  • Lamberte, Mario B.
  • Balbosa, Joven Zamoras

Abstract

Less developed countries are usually characterized by a dualistic financial system: the formal and informal credit system. One form of the latter is the Cooperative Credit Union (CCU), which at present finds shelter in the private and government offices as well as in public markets. Analysis presented in this paper points to the fact that the ten sample CCUs have performed well without government subsidies. Without regulation, they are more likely to introduce more innovations. However, to successfully develop a cooperative, a concerted effort should be developed among leaders.

Suggested Citation

  • Lamberte, Mario B. & Balbosa, Joven Zamoras, 1988. "Informal Savings and Credit Institutions in the Urban Areas: The Case of Cooperative Credit Unions," Working Papers WP 1988-06, Philippine Institute for Development Studies.
    • Handle: RePEc:phd:wpaper:wp_1988-06
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    File URL: https://www.pids.gov.ph/publication/working-papers/informal-savings-and-credit-institutions-in-the-urban-areas-the-case-of-cooperative-credit-unions
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    Citations

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    Cited by:

    1. Lamberte, Mario B., 1995. "Credit Unions as Channels of Micro-Credit Lines: The Philippine Case," Discussion Papers DP 1995-25, Philippine Institute for Development Studies.
    2. Cacnio, Faith Christian Q., 2001. "Microfinance Approach to Housing: The Community Mortgage Program," Discussion Papers DP 2001-28, Philippine Institute for Development Studies.
    3. Isaias Lagsa Borres, 2020. "Industry Analysis of Pawnshop in the Philippine," International Journal of Business and Administrative Studies, Professor Dr. Bahaudin G. Mujtaba, vol. 6(2), pages 111-120.
    4. Meyer, Richard L. & Nagarajan, Geetha, 1992. "An Assessment of the Role of Informal Finance in the Development Process," 1991 Conference, August 22-29, 1991, Tokyo, Japan 183352, International Association of Agricultural Economists.
    5. repec:ilo:ilowps:312713 is not listed on IDEAS

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